Document 335959

Raymond James & Associates, Inc.
Brokerage Account Disclosure
I/we acknowledge and agree that my/our relationship with Raymond James & Associates, Inc. is governed by the provisions of this
agreement. Throughout this agreement, "I", "me", "we", "us", "my" and "our" refer to the undersigned and any other actual or
beneficial owner of property in this account. "You", "your", "the Firm" and "Raymond James" refer to Raymond James & Associates,
Inc. and the introducing broker, if applicable. The terms "property" and "securities" mean securities of all kinds, monies, options and
all other property dealt in by brokerage firms.
Applicable Regulations
I understand and agree that every transaction in my account is subject to the rules or customs in effect at the time of the transaction
which, by the terms of the rule or custom, applies to the transaction. These rules or customs include state and federal laws, rules and
regulations established by state or federal agencies, the Constitution, rules, customs and usages of the applicable exchange,
association, market or clearinghouse or customs and usages of individuals transacting business on the applicable exchange, market
or clearinghouse.
If this agreement is incompatible with any rule or custom, or if a rule or custom is changed, this agreement will be automatically
modified to conform to the rule or custom. The modification of this agreement shall not affect any of its other provisions.
Trading Authorizations
I understand that you do not provide any warranty as to the availability, accuracy, completeness, timeliness, correct sequencing of
suitability for the particular purpose of any market data provided to my advisors or to me.
Orders for Delivery and Settlement
I will designate each order to sell as a "short" sell order or a "long" sell order. A "short" sale means the sale of a security not owned by
me. You may, at your sole discretion and without prior notice to me, cover any short sale in my account. I understand that "cover"
means the purchase, at the market price, of securities that were previously sold short. When I designate a sale as "long", I am
promising to you that I own the security and promising that, if the security is not in your possession when I place the sale order, I will
deliver the security to you by the settlement date. If I fail to deliver the security to you by the settlement date, you may purchase the
security, at the market price, for my account and hold me responsible for any loss, commission and/or fees.
When I order the purchase of a security, I will make payment to you on or before the settlement date. If I fail to make payment by the
settlement date for securities purchased, I authorize you to, at your sole discretion and without notice to me, sell the purchased
security or any other securities in my accounts to satisfy the debt and I understand that I will be solely responsible for any resulting
loss. Alternatively, if I fail to pay for a security purchased by me by the settlement date, I understand that my account can be charged
a late fee.
Fees and Charges
I understand that I will be charged commissions for my orders to buy or sell securities and/or other fees and I understand that your
commission and fee rates may be changed with thirty (30) days written notice. I agree to pay the commission and/or fees at the rates
in effect at the time. If you must take action against me to collect any outstanding balances or for any other reason relating to my
account(s), I agree to pay all costs, including attorney’s fees, to do so.
In addition, any fees or expenses for legal and/or accounting services, both internal and external, rendered to Raymond James and
Associates, or one of its affiliated entities, in connection with my account shall be charged to and paid by me or charged to and
deducted from my account.
Loans and Collateral
This section applies only to margin, Capital Access Accounts, or if there is a deficit in my account. You may make a loan to me at
any time and in any amount you choose, and I understand that any transaction or event resulting in a negative balance in my account
acts as a request from me to you for a loan. I understand that you are not obligated to make any loan to me and you may alter the
collateral requirements or conditions for loans at any time with or without prior notice to me. I agree to pay interest on any loan or
account balance at the rate specified in your Statement of Credit Terms, a copy of which will be sent to me. I understand that from
time to time you may change your Statement of Credit Terms, including the interest rate, and I agree to be bound by any revision
from its effective date. For purposes of this agreement the legal and statutory rate of interest shall be the rate specified in your
Statement of Credit Terms.
As collateral for all loans or any balance due on my account and subject to applicable law, I grant you a security interest in all
property held by you or in any of my accounts (which accounts shall each constitute a securities account), whether the property is in
your possession now or comes to be in the future. If it is necessary for you to enforce your security interest by the sale of my
property, including but not limited to, certificated and uncertificated securities, commercial paper, corporate debt obligations, mutual
funds, U.S. government, agency, state, and municipal obligations, documents, instruments, general intangibles, deposit accounts,
and cash, including any of the foregoing held in book entry form, any securities entitlements, any interests in the entries on the books
of any securities intermediaries, and any other investment property and financial assets held therein, and any certificates evidencing
any of the foregoing together with all renewals, additions, replacements, substitutions, conversions, splits, reductions, subscription
rights, dividends, cash warrants, options, distributions of any kind, increases, or profits, and any and all proceeds of any of the
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foregoing, and you may select which property is to be sold and at what time and price it will be sold and I will not hold you liable for
your decisions.
I understand that when I have a loan with you the property in my account or held by you may be used by you as security (either
separately or together with other property) for loans you have or may incur in the future with third parties.
I understand that any loan or any balance due on my account is payable on your demand, and you may demand payment of the full
amount of any loan or balance due on my account at any time. If any dividend, interest, distribution or similar payment is made to my
account, you are authorized to apply the payment to any balance due in my account but not obligated.
I understand that if a cash debit is generated in my account, and I have margin, you are authorized to cover all or a portion of the
cash debit by increasing the debit in my margin account.
Authorization: Accuracy of Reports
You are authorized to act on oral instructions concerning my account and you are not liable for acting on any false oral instructions if
the instructions reasonably appeared to you to be genuine. I authorize you to electronically record any and all conversations between
me (or my representative) and you.
I will notify you of any error in a confirmation of order within 4 days of when it is mailed to me. I will notify you of any error in a
statement within 10 days of when it is mailed to me. If I do not give you written notification of an error in the time specified above,
then I accept the confirmation or statement as correct and I will not later claim the confirmation or statement is incorrect or the
transactions shown were unauthorized. I understand that all mail will be sent to the address shown on my New Account Agreement
and I will be responsible for receiving mail at that address, unless I give you written notice of a change in address. Clients who
establish mutual fund periodic payment plans such as Periodic Investment Plans (PIP), Systematic Withdrawal Plans (SWP) or
Periodic Exchange Plan (PEP) through Raymond James will not receive trade confirmations when the transaction is executed. I will
instead receive confirmation of the transactions on my monthly statement. By signing the New Account Agreement, I am authorizing
my financial advisor to take my verbal instructions.
During the period I maintain an account with you or thereafter, I am authorized to obtain credit reports on me from any credit
reporting agency, at your expense. If you request me to do so, I will sign a separate authorization allowing the release of credit
information to you.
Authorization to Liquidate Account and Collateral
Upon the death of any of us, or if you otherwise feel it is necessary you may cancel any unexecuted order and you may also purchase
securities to cover the sale of securities or sell securities to satisfy any debt. The decision to cancel an order or buy or sell securities
in my account is solely at your discretion and the sale or purchase may be performed in any manner you feel reasonable. Each of our
estate(s) and each survivor will be liable to you for the full amount of any debt or loss resulting from the completion of transactions
initiated prior to your receipt of a written notice of death or incurred in the liquidation of the account or in the adjustment of interests of
the respective parties. Any debt or lien assessed against the account following the death of any of us shall be charged fully against
the interests of the survivor(s) and the estate of the decedent. This section does not release the decedent’s estate from any liability
provided in the agreement.
Introduced Accounts
I agree that if you are acting as a clearing broker for transactions on my account, you are not responsible for the conduct,
representations or recommendations of the introducing broker or its agents.
If you are carrying the account of the undersigned as clearing broker by arrangement with another broker through whose courtesy the
account of the undersigned has been introduced to you, then until receipt from the undersigned of written notice to the contrary, you
may accept from such other broker, without inquiry or investigation by you (a) orders for the purchase or sale in said
account of securities and other property on margin or otherwise, and (b) any other instructions concerning said account. You
shall not be responsible or liable for any acts or omissions of such other broker or its employees.
Joint Accounts
If this is a Joint Account, we agree that each of us has the authority to act on behalf of all account owners to: order any transaction
involving the account, including transactions that result in a negative account balance; receive any property in the account, including
cash withdrawals; receive any communications concerning the account including confirmations and statements; and make or agree
to any changes in the account or this agreement, including closing the account. You are not required to verify with other account
owners the authority for any instructions received from one of us and you do not need to give notice of any transaction to any owner
who did not order the transaction. Each and every account owner shall be individually liable for the full amount of any loan or balance
due on this account.
If one of us dies, the survivor(s) will give you immediate written notice of the death of any of us.
Binding on Successors
I understand and agree that this agreement will be binding on my successors (including my executor, heirs or assignees) and I will
notify any successor of the agreement’s provisions.
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Waiver and Modification
I understand that your failure to exercise any right granted by this agreement or to insist on my strict compliance with any obligation
under this agreement will not be considered a waiver of that right or obligation. I also understand if you furnish me with notice on one
occasion, you are not obligated to provide me with notice in the future. I understand that no provision of this agreement can be
waived or modified unless it is done in writing and signed by your Treasurer, Corporate Counsel or Compliance Director. I further
understand that you may modify and amend this agreement upon thirty (30) days written notice to me, and my acceptance of such
amendment will be deemed effective by my continued use of the services of the account.
Severability
If any provision of this agreement is deemed to be unenforceable for any reason, this will not affect the validity and enforceability of
any other provision of this agreement.
Termination
You have the right to terminate any of my accounts, including multiple owner account(s), at any time by notice to me.
Unclaimed Property
In the event of the abandonment of this account, Raymond James will initiate an escheatment process in accordance with the
applicable laws.
Uncashed Client Checks: Client checks that are not cashed within 120 days of issuance (90 days for standard check age plus 30
days hold period) will be redeposited to the originating client account, unless said check is for a de minimus amount (currently $20).
If the amount is less than the de minimus amount, the uncashed funds are placed in payable account for potential escheatment. This
policy remains in effect and notification is hereby provided in accordance with interpretative guidance under Securities Exchange Act
Rule 17AD-17.
Raymond James Cash Sweep Programs
Uninvested cash balances in my account(s) can earn income through several options including: Raymond James Bank Deposit
Program (RJBDP), Client Interest Program (CIP), Raymond James Bank Deposit Program (RJBDP) with Client Interest Program
(CIP), Eagle Class of JPMorgan Prime Money Market Fund, Eagle Class of JPMorgan U.S. Government Money Market Fund, and
Eagle Class of JPMorgan Tax Free Money Market Fund. If I choose RJBDP I acknowledge that (i) I am solely responsible to monitor
the total amount of deposits I have at each Bank in order to determine the extent of FDIC insurance coverage available to me, and (ii)
Raymond James is not responsible for any insured or uninsured portion of my deposits at any of the Banks.
Extraordinary Events
You shall not be liable for losses caused directly or indirectly by any condition not within your exclusive control, including government
restrictions, exchange or market rulings, suspension of trading, war, strikes or extreme market volatility or trading volumes.
Restrictions
You may, in your sole discretion, prohibit or restrict trading of securities, substitution of securities, or disbursements in any of my
accounts.
Choice of Law
This agreement and any accounts opened hereunder shall be construed, interpreted and the rights of the parties shall be determined
in accordance with the internal laws of the State of Florida (without referencing Choice of Law provisions of Florida or any other
state).
My Representations
I represent that I am of the age of majority according to the laws of my state of residence. I further represent that I am not an
employee of any exchange or a member firm of any exchange or member of the Financial Industry Regulatory Authority. ("FINRA"),
or of a bank, trust company or insurance company unless I notify you to that effect. If I become so employed, I agree to notify you
promptly. I also represent that no persons other than those signing this agreement have an interest in the account.
Right to an Attorney
(a) I understand that when I sign the Client Agreement, this Client Agreement becomes a legally binding contract between you and
me. I also understand that this document may alter the rights I might have and may create responsibilities I might otherwise not have
had.
(b) I understand that I may, if I wish, consult with an attorney before I sign the Client Agreement and enter into this agreement. In
connection with entering into this agreement, you are representing your interests, and not mine. Therefore, to the extent I do not
understand any provision of this agreement or its effect, I understand that I should seek the independent advice of an attorney.
Mutual Fund Networking
Networking is an automated communication system used to transmit information between the mutual fund and the broker/dealer,
allowing us to reflect fund records on the client brokerage statement. All mutual fund positions will automatically be networked, if
eligible, unless we receive written instructions from you specifically stating otherwise.
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Payment for Order Flow
(a) Raymond James may, from time to time, receive payment for order flow. Order flow payment is compensation received as an
incentive to direct transactions to various markets. This compensation is received in a number of ways, including direct cash payment
ranging from a fraction of a cent to 2.5 cents per share, estimated to equal approximately $1.0 million annually. In certain instances,
reduced transaction fees are provided by various exchanges. While there is no actual agreement, oral or written, Raymond James
believes that it is receiving business from specialists at various exchanges as a result of the transaction volume directed to them.
Additionally, Raymond James acts as a market maker in a number of Over-The-Counter (OTC) securities. As a result of orders
directed to these various markets, trading profits or losses may be generated.
(b) New York Stock Exchange (NYSE) Rule 108(a) allows a specialist to trade on parity with orders in the crowd when the specialist is
establishing or increasing its position, as long as floor brokers representing orders in the crowd do not object to such practice. If we or
our organization object to a specialist trading on parity with our order to establish or increase its position, the specialist would be
obligated to honor such a request and refrain from trading on parity. Please note that we may object to a specialist trading on parity
with our order by communicating our objection to our Raymond James representative. Unless we inform you otherwise, Raymond
James will handle our orders as if we have no objection to the specialist trading on parity with our order.
(c) Raymond James’ policy is to direct orders, based upon a number of factors and absent specific routing instructions from us, to the
market center where it believes that the customer receives the best execution. The potential for receipt of order flow payment, or
trading profits, is not a factor in this decision. Raymond James believes, based upon prior experience, that Raymond James’ order
routing practice provides opportunity for the orders to be executed at prices better than national best bid or best offer.
(d) Raymond James’ ongoing review of the markets used allows Raymond James to keep Raymond James’ commissions
competitive, in addition to ensuring the best execution services for Raymond James’ clients.
Arbitration Disclosures
This Agreement contains a predispute arbitration clause. By signing an arbitration agreement the parties agree as follows:
(1) All parties to this Agreement are giving up the right to sue each other in court, including the right to a trial by jury,
except as provided by the rules of the arbitration forum in which a claim is filed.
(2) Arbitration awards are generally final and binding; a party’s ability to have a court reverse or modify an arbitration award
is very limited.
(3) The ability of the parties to obtain documents, witness statements and other discovery is generally more limited in
arbitration than in court proceedings.
(4) The arbitrators do not have to explain their reason(s) for their award unless, in an eligible case, a joint request for an
explained decision has been submitted by all parties to the panel at least 20 days prior to the first scheduled hearing date.
(5) The panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with the securities
industry.
(6) The rules of some arbitration forums may impose time limits for bringing a claim in arbitration. In some cases, a claim
that is ineligible for arbitration may be brought in court.
(7) The rules of arbitration forum in which the claim is filed, and any amendments thereto, shall be incorporated into this
Agreement.
No person shall bring a putative or certified class action to arbitration, nor seek to enforce any predispute arbitration
agreement against any person who has initiated in court a putative class action or who is a member of a putative class who
has not opted out of the class with respect to any claims encompassed by the putative class action until (i) the class
certification is denied or (ii) the class is decertified or (iii) the client is excluded from the class by the court. Such
forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this agreement except to
the extent stated herein.
Arbitration and Dispute Resolution
(a) Any dispute or controversy, either arising in the future or in existence now, between me and you (including your officers, directors,
employees or agents and the introducing broker, if applicable) will be resolved by arbitration conducted before the Financial Industry
Regulatory Authority (FINRA), subject to the jurisdiction of the Securities and Exchange Commission (SEC) pursuant to the FINRA
Arbitration Code, and in accordance with the Federal Arbitration Act (Title 9 of the United States Code).
(b) A court of competent jurisdiction may enter judgment based on the award rendered by the arbitrators.
(c) Nothing in this agreement shall be deemed to limit or waive the application of any relevant state or federal statute of limitation,
repose or other time bar. Any claim made by either party to this agreement which is time barred for any reason shall not be eligible
for arbitration.
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Business Continuity Planning - Disclosure Statement
Raymond James has established the Business Continuity Planning (BCP) Department, a dedicated team of professionals that
oversees the Firm’s business continuity management strategy. The BCP Department works closely with business units and the
Information Technology Department to employ a standardized framework for building, maintaining, and testing business continuity
plans. The plans are created using an all hazards approach, including baseline requirements and strategies that address incidents of
varying scope. Plans are designed to allow for continued operations of critical business functions, which include providing clients with
prompt access to their funds and securities.
Incident Management
A Corporate Crisis Management Team (CCMT) comprised of senior management representing key areas of the Firm has been
established to manage incidents that might impact the Firm’s associates and clients. The CCMT will assess and direct the Firm’s
response to an incident, ensuring the safety and security of all associates and continuity of critical processes. As part of the overall
BCP strategy, Raymond James maintains geographically dispersed operational locations to diminish risks posed by local and
regional disruptions. In the event of an emergency at the home office, local staff is available at off-site locations to continue
production work.
Technology and Data Recovery
Raymond James employs a dual data center strategy in which critical client data and systems are replicated to an alternate location
ensuring accessibility. In addition, data retention and backup procedures are in place, including tape backup and offsite storage,
offering a tertiary layer of data accessibility should the need arise. It is the Firm’s goal to recover from an event requiring a processing
switch to the alternate site within 12 hours or less. Due to the unpredictable nature of events causing significant business disruptions,
the Firm cannot guarantee that systems will always be available or recoverable after such events.
Contacting Raymond James
Clients can obtain information regarding the status of their accounts and access to their funds and securities by contacting their
financial advisor. If their financial advisor is unavailable, clients can contact Client Services at 1-800-647-7378. Up-to-date
information regarding the operating status of the Firm can be obtained from http://www.raymondjames.com.
The Firm’s business continuity plans are subject to modification. The BCP Disclosure Statement, including any updates or
amendments, is available at http://www.raymondjames.com/business_continuity_planning.htm. Hard copies can be obtained upon
request by contacting your Raymond James representative.
Raymond James Capital Access Account Agreement
This agreement, including the terms and conditions provided by the Raymond James Capital Access Account Check & VISA®
Platinum Card Agreement and its accompanying financial services, sets forth the terms and conditions governing the relationship
between Raymond James and its affiliates and the person(s) signing this document (hereinafter referred to as "the client").
Upon opening a Capital Access Account, Raymond James may provide the client with personalized checks and the client may apply
for a Capital Access VISA Platinum debit card (the "Card") issued through Raymond James Bank, N.A. A Personal Identification
Number ("PIN") will be issued to the client for use in conjunction with accessing the Capital Access Account.
In return for these and other services, the client understands and agrees to pay certain fees, including an annual Capital Access
Account membership fee. In addition, if the client selects the rewards program and agrees to the terms and conditions of the
program, all fees will be charged to the client’s account. The client further understands that any additional features selected could
incur additional costs.
The client agrees to write checks on a Raymond James Capital Access Account maintained at the Banking Vendor and may use
these checks only in conjunction with his or her Capital Access Account and only amounts within authorized limits. The client also
understands that Raymond James may reasonably withhold access to his or her funds until it is satisfied that checks placed into the
client’s account have been collected. Raymond James may satisfy amounts that are owed by the client in connection with his or her
Capital Access Account in the following order of priority: from available Client Interest Program ("CIP"), Raymond James Bank
Deposit Program (RJBDP), Eagle Class of JPMorgan Prime Money Market Fund, Eagle Class of JPMorgan U.S. Government Money
Market Fund, or Eagle Class of JPMorgan Tax Free Money Market Fund, if any, held in the account, and should these sources prove
insufficient, from a margin loan to the client within the available margin loan value of securities in the client’s account (provided this
option was chosen and the account was approved for margin). Moreover, the client authorizes the Banking Vendor to honor checks
(a) bearing only one signature and (b) bearing a signature with an approved name, a middle initial or a name deleted or added if the
Banking Vendor otherwise reasonably believes the signature to be authorized.
The client understands that the Card will allow card transactions to the "Authorization Limit" as defined in the Raymond James
Capital Access Account Check & VISA Platinum Card Agreement. The client agrees to have sufficient available assets to make
payment in full for card transactions as they become available and understands that if he or she has insufficient available assets the
card may be suspended or canceled. The client also agrees that the use of any card in connection with his or her Capital Access
Account will also be governed by the terms and conditions contained in the Raymond James Capital Access Account Check & VISA
Platinum Card Agreement that they will receive after the Card application is accepted by Raymond James Bank, N.A. and the
Banking Vendor.
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The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy clients and that credit
reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers
compliance with this law.
Account Description
The Capital Access Account integrates a conventional securities account with a cash management account, which provides a VISA
Platinum debit card and check writing services. As part of that account, cash balances awaiting investment will earn interest daily in
the Raymond James CIP, RJBDP, Eagle Class of JPMorgan Prime Money Market Fund, Eagle Class of JPMorgan U.S. Government
Money Market Fund, or Eagle Class of JPMorgan Tax Free Money Market Fund.
Termination of a Capital Access Account
The client’s participation in the Capital Access Account, or any feature offered in connection with the account, may be terminated at
any time by Raymond James or the client. The client, however, shall remain responsible for authorized charges arising before or after
termination.
Credit Reports
The client authorizes Raymond James to request a consumer report about him or her from a reporting agency for the purposes of
considering the application in the Capital Access Account, reviewing or collecting any account opened for the client, or for any other
legitimate business purpose. Upon the client’s written request, Raymond James will inform the client of the name and address of
each consumer-reporting agency from which it obtained a consumer report, if any, in connection with the client’s application or
accounts.
Liability
The client agrees that he or she will be personally liable for, and will indemnify Raymond James, Raymond James Bank, N.A. and the
Banking Vendor, against any losses in connection with any and all Capital Access transactions (including securities transactions, use
of the check writing privilege, the Card and the line of credit), effected by any person signing the Capital Access Account Application
or any person to whom the client gives written authority to use his or her Capital Access Account. The client also agrees that he or
she will be personally liable for, and will indemnify Raymond James, Raymond James Bank, N.A. and the Banking Vendor, against
any losses in connection with the use of signature stamps, preprinted check stock with laser signature, or any other form of facsimile
signature.
The client also agrees that no card(s) or checks issued in connection with his or her Capital Access Account can be used directly to
purchase securities or any other products or services available through Raymond James or our correspondents.
The client shall at all times be liable for the payment of any amount advanced, any debit balance or other obligations owing in any of
his or her accounts with Raymond James, and the client shall be liable to Raymond James for any deficiency remaining in such
account(s) in the event of a liquidation thereof, in whole or in part, by the client or Raymond James. The client shall make payments
of any such debit balance, obligation, money deficiency, indebtedness, including interest and commissions, upon demand, and any
costs of collection, including attorney’s fees. It is further understood that Raymond James may request from any service provider or
their successor, copies of checks, and/or Visa or Bill Payment drafts processed from the client’s Capital Access Account.
Additional Terms and Conditions
The client hereby requests Raymond James to open cash, margin and/or short accounts, the Banking Vendor to issue the checks and
Raymond James Bank, N.A. to issue the VISA Platinum debit card(s) in the name(s) set forth on this application. The client agrees to
be bound by the terms and conditions of the aforesaid account as currently in effect and as amended from time to time.
For Joint Accounts: This application is made by both clients, as signed, and if approved, account terms and conditions will apply to
both clients and both will be jointly and individually liable for any amounts due at any time. Both clients will be bound by their
instructions regarding their account, checks or VISA Platinum debit card(s), if applicable, given either jointly or individually.
Raymond James Bank, N.A. and the Banking Vendor reserve all of its rights in connection with the issuance, processing or
termination of VISA Platinum debit card(s) and checks.
For Uniform Transfers to Minors Act (UTMA) and Uniform Gifts to Minors Act (UGMA): The Custodian certifies that any and all
transactions effectuated and instructions given on the UTMA or UGMA Account will be in full compliance with the Uniform Transfers
to Minors Act or Uniform Gifts to Minors Act. Applicable law authorizes the Custodian to make distributions or transfers of the UTMA
or UGMA Account funds, by check, debit card, credit card, or other means (including account-to-account transfer(s)) to and for the
benefit of the minor. Raymond James shall have no responsibility to assure the proper application of UTMA or UGMA Account funds,
securities or other assets by the Custodian.
The Custodian shall indemnify and defend Raymond James against any liability, loss, damages (including punitive damages), claim,
settlement payment, cost and expense, interest, award judgment, diminution in value, fine, fee, and penalty, or other charge
(including reasonable attorney’s fees) arising out of or relating to the following: (i) the act or omission of Raymond James pursuant to
the instructions provided by the Custodian and/or the authorization in this Raymond James Capital Access Account Agreement; (ii)
any misrepresentation or breach of this Raymond James Capital Access Account Agreement or (iii) this Raymond James Capital
Access Account Agreement and the trasactions contemplated by it. This indemnity survives the termination of this Raymond James
Capital Access Account Agreement and the closing of the UTMA or UGMA Account.
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FACTS
WHAT DOES RAYMOND JAMES
DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers
the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share
and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with
us. This information can include:
• Social Security number and investment experience
• Assets and income
• Account balances and account transactions
When you are no longer our customer, we continue to share your information as described in this
notice.
How?
All financial companies need to share customers’ personal information to run their everyday business.
In the section below, we list the reasons financial companies can share their customers’ personal
information; the reasons Raymond James chooses to share; and whether you can limit this sharing.
Does Raymond
James share?
Can you limit this
sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to
court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes—
to offer our products and services to you
Yes
No
For joint marketing with other financial companies
Yes
No
For our affiliates’ everyday business purposes—
information about your transactions and experiences
Yes
No
For our affiliates’ everyday business purposes—
information about your creditworthiness
No
We don’t share
For our affiliates to market to you
No
We don’t share
For nonaffiliates to market to you
No
We don’t share
Reasons we can share your personal information
Questions?
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Call 1-800-647-7378 or go to www.raymondjames.com
Page 7 of 8
Who we are
Who is providing this notice?
See the Raymond James U.S. legal entities noted below.
What we do
How does Raymond James
protect my personal
information?
To protect your personal information from unauthorized access and use, we use security
measures that comply with federal law. These measures include computer safeguards and
secured files and buildings.
How does Raymond James
collect my personal
information?
We collect your personal information, for example, when you
• open an account or perform transactions
• make a wire transfer or tell us where to send money
• tell us about your investment or retirement portfolio
We also collect your personal information from others such as credit bureaus, affiliates and
other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
• sharing for affiliates’ everyday business purposes—information about your
creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See
below for more on your rights under state law.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
• Our affiliates include companies with a Raymond James or an Eagle name.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
• Raymond James does not share with nonaffiliates so they can market to you.
Joint
marketing
A formal agreement between nonaffiliated financial companies to provide or market financial products or
services to you.
• Our joint marketing partners may include banks and credit unions.
Other important information
Financial advisors (“FA”) may change brokerage and/or investment advisory firms and the nonpublic personal information collected
by us and your FA may be provided to the new firm so your FA can continue to service your account(s). If you do not want your FA
to take or receive this information, please call 800-647-7378 to opt out of this sharing. Opt-in states, such as California and
Vermont and others, require your affirmative consent to share your nonpublic information with the FA or the new firm, and in those
states you must give your written consent before the FA can take or receive your nonpublic information. You can withdraw this
consent at any time by contacting 800-647-7378.
Vermont: In accordance with Vermont law, we will not share information about Vermont residents with companies outside of our
corporate family, except as permitted by law, such as with your consent, to service your accounts or to other financial institutions
with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate
family except with your authorization or consent, but we may share information about our transactions or experiences with you
within our corporate family without your consent.
California: In accordance with California law, we will not share information we collect about you with companies outside of
Raymond James, unless the law allows. For example, we may share information with your consent, to service your accounts, or to
provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.
Raymond James U.S. legal entities
Raymond James U.S. legal entities that utilize the names: Raymond James Financial, Inc., Raymond James & Associates, Inc.,
Raymond James Financial Services, Inc., Raymond James Financial Service Advisors, Inc., Eagle Asset Management, Inc., Eagle
Fund Distributors, Inc., Eagle Family of Funds, Eagle Fund Services, Inc., and Raymond James Insurance Group, Inc. This notice
does not apply to Raymond James Bank, N.A., and Raymond James Trust, N.A., as these affiliates deliver their own privacy
notices.
CF 0121219F DCT 12/13
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